| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | UNITEDHEALTHCARE INSURANCE COMPANY | $66K | — | $66K | 15.84% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, DC 21209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $46K | $3K | $49K | 13.37% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 301 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21030 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $22K | $22K | 6.13% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | VISION SERVICE PLAN | $2K | — | $2K | 4.02% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 FILA WAY SPARKS, MD 21152 | VISION SERVICE PLAN | $1K | — | $1K | 2.50% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO ROAD COLUMBIA, MD 21043 | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | $325 | $4 | $329 | 4.44% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE BALTIMORE, MD 21209 | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | $270 | — | $270 | 3.64% |
| COLLEEN A VOGAN3 Filed as: COLLEEN A. VOGAN | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | $88 | — | $88 | 1.19% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH ROAD UPPER MARLBORO, MD 20772 | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | $68 | — | $68 | 0.92% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 278 | $42K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 339 | $374K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 339 | $367K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 339 | $367K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $418K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 339 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.